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But why would I want to invest in SCHD at record stock market highs to earn dividends around 4% when I can simply sit in a risk-free money market fund and earn 5.2%??
My style of investing is not dividend growth investing, so I'm fascinated with your portfolio. The most striking thing to me is how many holdings you have, yet nearly half is dominated by one holding. I'm aiming to have a relatively equal weighted portfolio with preferably no more than 15 holdings - 20 max. The less to keep track of the better.
I’m often after dividend bull when he misrepresents dividend growth. But I feel like living off higher yield is being misrepresented a bit here as well. You could in theory live off a certain amount of your dividends and reinvest a small amount to keep up with inflation. With high yields it shouldn’t be an issue. No one says you have to live off all your dividends, just like you don’t have spend your entire paycheck.
USMART Research Department speaks with an excellent historical track record, recommending the best call and put options daily to take you to high-yield opportunities!
I just Go with Compounding because in Italy there is a 26% Tax On Dividends so I rather Keep it Compounding (No Dividends) for a couple years and Pay No Tax that is the key when you do not have Free Dividend Income every Year. Maby Later they will turn it down a bit but Germany has 25% Tax but you get around €801 Free Dividends per year before the Tax.. So yeah Italy is way Behind unless you keep Compounding and maby Rules change if not heck free Interest on Interest
Dividends can work Wonders if you decide each month where to Invest or Spend them Next IRL and not the Stock Market but most Places have a Tax so you get Taxed Double when you get them and later when the Investments give again Dividends. If You are well off Dividends is a great way to Increase it but if you do not have much already it is better with no Dividends and let it sit and Compound.
In Germany you can have 1000€ in tax free income in dividends (801€ was until last year) and yes 25% tax is a lot but therefore you pay 0% tax on crypto profits after 1 year of holding them ✌️
Just goes to show you how stupid politicians in every country are. Dividends is really just a return of the stock price you paid. Stock price immediately goes down by that amount paid. There should be not taxes at all on dividends until the stock is sold (then you combine them to calc the final sale price). It makes zero sense. I give the company 100 bucks and they give me 4 back and I have to give the govt 1 even though I have no gain whatsoever. Ridiculous!
Cries in Dane. 27% in the first €7000 and 42% on everything beyond that. Selling shares also count towards this amont, so those early many years it's rough earning pretty much anything. Our Crypto tax system is even worse. won't even try to explain it.
I see that your plan is to still contribute to your portfolio after you start to live of dividends? Is that expence already baked in to your current living expenses? Or are you using the money double? If your plan is to stop working after you start to live of dividends, then you should cut those 2500$ to zero. If you do that, will your portfolio stil be able to carry you financilly? And where's the taxplan? Why don't dividends investors ever think or talk about taxes? Up til 37% can be taken by the goverment. So in order to live of dividens you would need to multiply you rnumber with 1,37 just to cover taxes. According to the math, you're 2000$ short each month due to taxes. (5400$ x 1,37 = 7400$) Otherwise a great video. Keep ut the good work
@@anonymoose2474 Now I noticed another flaw in this vid! @19:56 he shows us that the dividends are covering all the monthly expences. That means he's got $1,49 left to live of... I don't think that it's mentioned that those 5300$ will cover food. I sure do hope so. Over to your question: I wouldn't do that either, but I'm just commenting on this vid.
Amazing breakdown and so motivating for us fellow smaller investors! I have no doubt you will be living off these dividends sooner than the 14 year projection :)
@@Hmmmm13579 did u watch the video at all? Also ETFs most definitely are not stupid. 1 they give u a broad array of market coverage especially SCHD, because of how evenly distributed it is among financials, industries, tech, etc. 2 the man states many times his plan is a long term investment strategy, typically with that you’re going to want to treat your portfolio as essentially a high yield savings account. 3 individual stocks can look good, have a good business model, and still fail, thus losing you you’re money. So that’s why the majority of his stock is an ETF. It gives a layer of protection from total portfolio collapse.
Quick question, I just started investing around march and am contributing around $50 a month, and when I look at SCHD it doesn't show a dividend yield, so how do they calculate what they are going to pay out?
this is more like growth stock investing to me, your dividend yield is almost ignorable. I wonder how your portfolio gain will look like if we have any kind of market downturn in the next 3-6 months
How much capital are you contributing to your account each month? I assume there is some dollar cost averaging - just curious how the numbers may change based on your monthly contributions. And when you contribute a monthly amount, how are you apportioning it to your portfolio? Splitting the amount on a percentage basis to your current portfolio holdings may not be feasible, so i am assuming you have some method to buy in additional shares as your account capital grows?
Awesome looking portfolio man! I see you're wanting to go down to 28 total holdings. Are there any 2 or hand full of holdings on the chopping block that you may move out of?
Not sure about letting go of your position in INTC unless your tax-loss harvesting. The (small) company I work for just purchased 32 new Intel powered workstation mini PCs. They still have a strong use in healthcare applications, and are putting a scary amount of effort into R&D. (Don't forget about the billions in government grants to build new fabs in different countries). And as a member of the maintenance department we spend quite a bit at both Home Depot And Lowe's. I also have a small position in SWK as we use DeWalt Tools in our work trucks. EATON is another company people gloss over. Alot of new construction using Eaton Circuit breakers,outlets, switches, motion detector, ETC. They have a substantial sized factory near where I live.
SCHD. EFT are more safe than individual stock and SCHD basically is dividend growth. Tho overall S&P 500 would probably net you more if its a set and forget. 500/month for 30 years will be around 1 million with compounding. dividends won't have the same compouding, those stock rarely rise at all. Go look at dividend kings vs S&P avg
how do you still make money after taking into account capital gains tax and inflation? projected growth is really really slow. You only have roi of 3.79% not taking into account stock appreciation which can go up or down. You would have had at least 7% in realestate. or 10-20% in house building or a generic business such as a car wash.
Is your $2500 monthly contributions calculated in those $4000 cost of living? Also remember after year 15, you will live of those dividends, drip will stop and earnings will decrease rapidly in growth. All those dividend growth shares will eventually reach a peak and become stale. Noone can continue paying out more and more percentages indefinietly. Coca-Cola is a great example, inflation is higher than the share growth/dividends. Another thing, haven't your cost of living been at like 4k for years now?
If you had your funds in a standard savings account at 5.5% interest. Your 180k would return 9.9k in the first year which is $825 per month. This would save you the first 2 years on your quest
Is this dashboard an updated version of the dividened portfolio tracker or a separate sheet? I have the tracker (7.0) and the tickerdata basic account but would love to have this as well...
You can see the most up to date version here!: DIY Investor Tool Kit 7.0! (The Best Dividend Portfolio Tracker!) th-cam.com/video/SSw1kKgreDQ/w-d-xo.html Email me at help@tickerdata.com with any questions
Interesting to see. So i don't invest in the American market and only in Australian market. I earned 12k in dividends of a150k portfoli. Now my shares are slow growth stocks as they are credit funds i.e. lend money out. Interest rates are not coming down as they are back to historical normal so i only see them going up (i also work in banking). Out of curiosity why not invest in a diversified portfolio like JPEQ?
@@BarryFence look into the following QRI, PCI, MOT,MXT,GCI and KKC. All are not bad but i'd highly advise talking to a financial adviser as i'm not one.I'm fortunate as i work in banking and have learnt how the bank thinks and invest with the mind set of a bank. Being able to read financial statemnet and understand every single pice of information has been useful. JPEQ in my opinion is one of the best set it and forget it ETFsthat pays a modest dividend. MY investment stratergy is to be able to live of my dividiend and invest all i make from my job. Assuming all works well in 7 years i should be earning roughly 4k a month in dividends
@@thenotoriousgoob no. No qualified dividends are taxed at 37% while qualified dividends are taxed at 0, 15 or 20%, depending on amount and filing status
It’s too early to consider dividends with that amount imo. But sure your portfolio looks way more interesting than VOO/QQQ, although may not be as profitable in a bull market.
If you think interest rates are going down 20 year government bonds can return 20% in a year easily, and that could happen while the market is dropping like a rock. You can consider government bonds as a hedge to an overpriced market. There's a reason why Warren Buffett has 180 billion in cash. He thinks the market is extremely overpriced and there are no deals at this time for him to put that $180 billion to work. He also knows it'll be a crash, inhale repeat like he did in the past bailout Goldman Sachs again or whatever other banks in trouble and make 20% plus
Should put more. Price of TLT was 170 at one point and now it's just 92. I would bet the yield would go down significantly in 2-3y and bond price will just go up the roof. No need to wait until 20y, you can sell at secondary market for all the profit.
@@JustAPenguin123 I wouldn't expect TLT to go to 170 anytime soon. This is why I'm heavily into TLTW and I've sold puts on TLT. Either way we agree, let's see if we're correct
Great job…not much to add but this …don’t forget to add growth to your portfolio like VTI …this balances your portfolio and keeps it from being stagnant…🤑🤑🤑
INTC has not moved in about 20 years With that said I think it's a great stock to sell options on. What scares Minnie Mouse to buy INTC are the new armed ships coming out for the PC. This is not going to be good for until they need to pivot quickly, maybe they are not sure. It does seem like the Intel chips are old technology.
If you get closer and closer to the point where your dividends cover your monthly expenses, that also means you can drastically increase your monthly contribution from 2500$, so I would assume this accelerates your portfolio growth even further.
Not the way he calculated the growth. He assumes a full DRIP (Dividend Reinvestment Plan) meaning 100% of the dividends earned are used to rebuy stock. Therefore he is not living off this investment at all. It would be fair in my opinion to at least increase the monthly contribution by inflation assuming minimum income growth.
I have a few of what you have in my IRA. It currently sits at $170k. I have O in that account and while I like it at the same time I'm not so sure on it any more. I'm really loving Main Street Capital over it. The yield is higher but the metrics seem to be in a better place as well. I have a majority of my account in S&P 500, Nasdaq, and Russell 2000 ETFs. I don't know about you but for the year I'm up over $21k ytd. I have no additional contributions nor do I have any free cash flow in that account. While I'm all about dividend investing it seems for the long term growth anyway it's going to be hard to beat the index tracking ETFs. My taxable account is only 15 months old and I started from scratch and have built it up to just shy of $7k. That's investing whatever I can manage comfortably. I had my first $100 month in May. My goal is $100 a month on average by the end of the year and I'm at $80 now.
Main won't do as well when interest rates start to go back down. They will still do fine but they are benefiting from the higher rates currently. O is the opposite the higher rates is hurting O so when they come down O should theoretically go up.
I like the upside of pharmaceuticals, if their R&D procures a quality drug then their share price will soar. JNJ had a lot in their pipeline. Enjoy the journey 😎🤘
Could even think about increasing the monthly contribution with the inflation rate, should be a valid thought assuming that this comes from a job salary that may also rise at a similar rate
I have a question. Live off dividends takes data from other part of the spreadsheet. What If I suddenly can invest more than initial amount I've put there one time? For example if I can suddenly invest additional 5000$ instead o 500$ one time, how should you properly edit it? My thought Is to add this 5000$ to the initial portfolio value + put the stocks I buy into stocks spread.
I explained in video. It’s a Q2 dividend payment. They are technically paying July 1st, because the last few days of June landed on the weekend. For tracking purposes it makes more sense to list in June.
Question, do you think nvidia has potential to be a dividend growth stock. They recently grew their dividend by 150% (which only was from 0.01 to 0.02)
My understanding is that was the result of the 10 to 1 stock split, not a true dividend growth situation. They’re still distributing the minimum amount of .01 per share, but the stock split increased the value of the 0.01 distribution by 150%.
I think you should add the $2500 to your monthly cost of living, since you're still contributing. Then see where you break even and where you can live of your dividends. I think it's around year 18 not 14
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Access Tickerdata and my Spreadsheets: tickerdata.com/
Get a 20% off Coupon to Seeking Alpha: seekingalpha.me/Dividendology
Join my free newsletter! dividendology.substack.com/
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But why would I want to invest in SCHD at record stock market highs to earn dividends around 4% when I can simply sit in a risk-free money market fund and earn 5.2%??
Great question. I discuss this in this video: th-cam.com/video/GQHe7LejhEg/w-d-xo.html
My style of investing is not dividend growth investing, so I'm fascinated with your portfolio. The most striking thing to me is how many holdings you have, yet nearly half is dominated by one holding. I'm aiming to have a relatively equal weighted portfolio with preferably no more than 15 holdings - 20 max. The less to keep track of the better.
I’m often after dividend bull when he misrepresents dividend growth. But I feel like living off higher yield is being misrepresented a bit here as well. You could in theory live off a certain amount of your dividends and reinvest a small amount to keep up with inflation. With high yields it shouldn’t be an issue. No one says you have to live off all your dividends, just like you don’t have spend your entire paycheck.
Okay, move to US, buy SCHD and retire, got it
Fucking eu laws
That’s what I got out of this. Why buy anything else? Lol
USMART Research Department speaks with an excellent historical track record, recommending the best call and put options daily to take you to high-yield opportunities!
@@mybiggrin Wow. The video shows a weak portfolio, that's for sure.
@@mybiggrinJEPQ
I just Go with Compounding because in Italy there is a 26% Tax On Dividends so I rather Keep it Compounding (No Dividends) for a couple years and Pay No Tax that is the key when you do not have Free Dividend Income every Year. Maby Later they will turn it down a bit but Germany has 25% Tax but you get around €801 Free Dividends per year before the Tax.. So yeah Italy is way Behind unless you keep Compounding and maby Rules change if not heck free Interest on Interest
Dividends can work Wonders if you decide each month where to Invest or Spend them Next IRL and not the Stock Market but most Places have a Tax so you get Taxed Double when you get them and later when the Investments give again Dividends.
If You are well off Dividends is a great way to Increase it but if you do not have much already it is better with no Dividends and let it sit and Compound.
In Germany you can have 1000€ in tax free income in dividends (801€ was until last year) and yes 25% tax is a lot but therefore you pay 0% tax on crypto profits after 1 year of holding them ✌️
@@ben2364 A ok yes I did read about the 1000€ also but again Italy is another thing where I can't Really Follow Dividendology as good..
Just goes to show you how stupid politicians in every country are. Dividends is really just a return of the stock price you paid. Stock price immediately goes down by that amount paid. There should be not taxes at all on dividends until the stock is sold (then you combine them to calc the final sale price). It makes zero sense. I give the company 100 bucks and they give me 4 back and I have to give the govt 1 even though I have no gain whatsoever. Ridiculous!
Cries in Dane. 27% in the first €7000 and 42% on everything beyond that.
Selling shares also count towards this amont, so those early many years it's rough earning pretty much anything.
Our Crypto tax system is even worse. won't even try to explain it.
I see that your plan is to still contribute to your portfolio after you start to live of dividends? Is that expence already baked in to your current living expenses? Or are you using the money double?
If your plan is to stop working after you start to live of dividends, then you should cut those 2500$ to zero.
If you do that, will your portfolio stil be able to carry you financilly? And where's the taxplan? Why don't dividends investors ever think or talk about taxes? Up til 37% can be taken by the goverment. So in order to live of dividens you would need to multiply you rnumber with 1,37 just to cover taxes. According to the math, you're 2000$ short each month due to taxes. (5400$ x 1,37 = 7400$)
Otherwise a great video. Keep ut the good work
Probably income from business or rentals/real estate sales
@@anonymoose2474 it's not mentioned...
@@roaldhansen30 why would you only invest in non tax advantaged dividend stocks tho. I wouldn't
@@anonymoose2474 Now I noticed another flaw in this vid! @19:56 he shows us that the dividends are covering all the monthly expences. That means he's got $1,49 left to live of... I don't think that it's mentioned that those 5300$ will cover food. I sure do hope so.
Over to your question: I wouldn't do that either, but I'm just commenting on this vid.
up over how many years though?
Amazing breakdown and so motivating for us fellow smaller investors! I have no doubt you will be living off these dividends sooner than the 14 year projection :)
What do you think about MAIN and HTGC? I was thinking about selling and reinvesting.
whats the point of so many other div stockks if half your portfolio is SCHD? has the performance and yield of the other stocks beat SCHD by much?
Yes. You can see on my growth chart.
Putting everything into a ETF is stupid. Gotta have individual stocks to balance the portfolio.
@@Hmmmm13579 did u watch the video at all? Also ETFs most definitely are not stupid. 1 they give u a broad array of market coverage especially SCHD, because of how evenly distributed it is among financials, industries, tech, etc. 2 the man states many times his plan is a long term investment strategy, typically with that you’re going to want to treat your portfolio as essentially a high yield savings account. 3 individual stocks can look good, have a good business model, and still fail, thus losing you you’re money. So that’s why the majority of his stock is an ETF. It gives a layer of protection from total portfolio collapse.
@@Hmmmm13579 the right etf will do that for you
@@Hmmmm13579 why is it stupid
Quick question, I just started investing around march and am contributing around $50 a month, and when I look at SCHD it doesn't show a dividend yield, so how do they calculate what they are going to pay out?
this is more like growth stock investing to me, your dividend yield is almost ignorable. I wonder how your portfolio gain will look like if we have any kind of market downturn in the next 3-6 months
Have you had any formal training with Excell? That's some crazy skills 😂
My question is the following: If you found 100 ever increasing dividend stocks 10 years ago, how many of them would still be increasing today?
The stock market is not that old
@@StinkleFreshit is lol
@@Thijnsj ok then what are the companies
@@StinkleFresh What does that matter? That's not at all what you are implying. The stock market is way over 10 years old lol
@@Thijnsj wrong answer, like and subscribe
#july4th
How much capital are you contributing to your account each month? I assume there is some dollar cost averaging - just curious how the numbers may change based on your monthly contributions. And when you contribute a monthly amount, how are you apportioning it to your portfolio? Splitting the amount on a percentage basis to your current portfolio holdings may not be feasible, so i am assuming you have some method to buy in additional shares as your account capital grows?
If youre going to see any dividend return that can somewhat affect your financial lives you need at least quarter million.
great spreadsheet / by details, havent downloaded it
Is this a taxable account? Or tax advantaged?
Awesome looking portfolio man! I see you're wanting to go down to 28 total holdings. Are there any 2 or hand full of holdings on the chopping block that you may move out of?
Not sure about letting go of your position in INTC unless your tax-loss harvesting. The (small) company I work for just purchased 32 new Intel powered workstation mini PCs. They still have a strong use in healthcare applications, and are putting a scary amount of effort into R&D. (Don't forget about the billions in government grants to build new fabs in different countries). And as a member of the maintenance department we spend quite a bit at both Home Depot And Lowe's. I also have a small position in SWK as we use DeWalt Tools in our work trucks. EATON is another company people gloss over. Alot of new construction using Eaton Circuit breakers,outlets, switches, motion detector, ETC. They have a substantial sized factory near where I live.
This is more like growth not dividend like yieldmax
If you had 10k to invest what would you do for dividend growth. A set it and forget it will contributing around 500 a month?
SCHD. EFT are more safe than individual stock and SCHD basically is dividend growth.
Tho overall S&P 500 would probably net you more if its a set and forget. 500/month for 30 years will be around 1 million with compounding.
dividends won't have the same compouding, those stock rarely rise at all.
Go look at dividend kings vs S&P avg
An ETF that gave 5% per month or 80% per year? I don't think so..
@@JustAPenguin123 What the he.. are you talking about?
Get the cash invested. You can't time the market in the short term.
As of 7/22/24 a 180k portfolio of just SCHD will have approximately 7k annually.
how do you still make money after taking into account capital gains tax and inflation? projected growth is really really slow. You only have roi of 3.79% not taking into account stock appreciation which can go up or down. You would have had at least 7% in realestate. or 10-20% in house building or a generic business such as a car wash.
one question, when you do you're "living off dividend" calender on estimated date, do you include taxes on that monthly estimated income?
Considering future growth what do you think is best altria , British American Tobacco or Philip Morris ?
Is your $2500 monthly contributions calculated in those $4000 cost of living?
Also remember after year 15, you will live of those dividends, drip will stop and earnings will decrease rapidly in growth.
All those dividend growth shares will eventually reach a peak and become stale. Noone can continue paying out more and more percentages indefinietly. Coca-Cola is a great example, inflation is higher than the share growth/dividends.
Another thing, haven't your cost of living been at like 4k for years now?
If you had your funds in a standard savings account at 5.5% interest. Your 180k would return 9.9k in the first year which is $825 per month. This would save you the first 2 years on your quest
Is this dashboard an updated version of the dividened portfolio tracker or a separate sheet? I have the tracker (7.0) and the tickerdata basic account but would love to have this as well...
You can see the most up to date version here!: DIY Investor Tool Kit 7.0! (The Best Dividend Portfolio Tracker!)
th-cam.com/video/SSw1kKgreDQ/w-d-xo.html
Email me at help@tickerdata.com with any questions
Interesting to see. So i don't invest in the American market and only in Australian market. I earned 12k in dividends of a150k portfoli. Now my shares are slow growth stocks as they are credit funds i.e. lend money out. Interest rates are not coming down as they are back to historical normal so i only see them going up (i also work in banking). Out of curiosity why not invest in a diversified portfolio like JPEQ?
Which tickers are you investing in?
@@BarryFence look into the following QRI, PCI, MOT,MXT,GCI and KKC. All are not bad but i'd highly advise talking to a financial adviser as i'm not one.I'm fortunate as i work in banking and have learnt how the bank thinks and invest with the mind set of a bank. Being able to read financial statemnet and understand every single pice of information has been useful. JPEQ in my opinion is one of the best set it and forget it ETFsthat pays a modest dividend. MY investment stratergy is to be able to live of my dividiend and invest all i make from my job. Assuming all works well in 7 years i should be earning roughly 4k a month in dividends
Congratulations on your biggest month ever! Good milestone. Hopefully it starts happening more often too.
20:31 well yes it more then double...because you drip...so you didnt lived off dividnend at year 15.
NVDIA dividend : 0,01%😂😂😂😂😂 Just happened to me. Apple the same. 😂😂
Did your “live off dividend” analysis include taxes?
Roth IRA sucker
More than likely not however a lot of dividends are considered “qualified dividends” and if they are then u don’t pay a tax on them.
@@thenotoriousgoob no. No qualified dividends are taxed at 37% while qualified dividends are taxed at 0, 15 or 20%, depending on amount and filing status
If it's inside a tax sheltered account no taxes 🎉
@@kaputasri sure, but many people want to live off dividends before 59 1/2
It’s too early to consider dividends with that amount imo. But sure your portfolio looks way more interesting than VOO/QQQ, although may not be as profitable in a bull market.
With high yields on govt bonds do you think it is smart to put about 10%-20% into 30 year notes and set and forget?
If you think interest rates are going down 20 year government bonds can return 20% in a year easily, and that could happen while the market is dropping like a rock.
You can consider government bonds as a hedge to an overpriced market.
There's a reason why Warren Buffett has 180 billion in cash. He thinks the market is extremely overpriced and there are no deals at this time for him to put that $180 billion to work.
He also knows it'll be a crash, inhale repeat like he did in the past bailout Goldman Sachs again or whatever other banks in trouble and make 20% plus
Should put more. Price of TLT was 170 at one point and now it's just 92. I would bet the yield would go down significantly in 2-3y and bond price will just go up the roof. No need to wait until 20y, you can sell at secondary market for all the profit.
@@JustAPenguin123
I have sold puts on TLT and I own TLTW,
Let's hope we're right
@@JustAPenguin123 I wouldn't expect TLT to go to 170 anytime soon. This is why I'm heavily into TLTW and I've sold puts on TLT. Either way we agree, let's see if we're correct
SCHD didnt pay until july 1 tho...
explained in video
@@Dividendology i had a very nice payment from them tho. They are similar sized position in my portfolio as well...
@@miklemon2357 yea he is not being honest about the payout of SCHD.
Dominos and Microsoft both took a hit this week
start thinking about securing your investment a month before the election
How much roughly do you personally contribute on a monthly basis?
I'd like to know as well
In the video he mentions 2500 usd per month at time 17.55.
Cool now you can treat the missis for a dinner at the chop house.
Yea I’ll stick with ymax and average a 75% yield
Great job…not much to add but this …don’t forget to add growth to your portfolio like VTI …this balances your portfolio and keeps it from being stagnant…🤑🤑🤑
I’m 50% voo 50% schd. Little over 115k in my accounts at 26. Chillin
How long ago did you start dividend investing?🤔
INTC is building a base around 30.50 a share. Don't sell it. Is way under valued.
INTC has not moved in about 20 years
With that said I think it's a great stock to sell options on.
What scares Minnie Mouse to buy INTC are the new armed ships coming out for the PC. This is not going to be good for until they need to pivot quickly, maybe they are not sure.
It does seem like the Intel chips are old technology.
Wish I could agree.
🪦
😂
If you get closer and closer to the point where your dividends cover your monthly expenses, that also means you can drastically increase your monthly contribution from 2500$, so I would assume this accelerates your portfolio growth even further.
Not the way he calculated the growth. He assumes a full DRIP (Dividend Reinvestment Plan) meaning 100% of the dividends earned are used to rebuy stock. Therefore he is not living off this investment at all.
It would be fair in my opinion to at least increase the monthly contribution by inflation assuming minimum income growth.
I have a few of what you have in my IRA. It currently sits at $170k. I have O in that account and while I like it at the same time I'm not so sure on it any more. I'm really loving Main Street Capital over it. The yield is higher but the metrics seem to be in a better place as well. I have a majority of my account in S&P 500, Nasdaq, and Russell 2000 ETFs. I don't know about you but for the year I'm up over $21k ytd. I have no additional contributions nor do I have any free cash flow in that account. While I'm all about dividend investing it seems for the long term growth anyway it's going to be hard to beat the index tracking ETFs. My taxable account is only 15 months old and I started from scratch and have built it up to just shy of $7k. That's investing whatever I can manage comfortably. I had my first $100 month in May. My goal is $100 a month on average by the end of the year and I'm at $80 now.
Main won't do as well when interest rates start to go back down. They will still do fine but they are benefiting from the higher rates currently. O is the opposite the higher rates is hurting O so when they come down O should theoretically go up.
@@mandrake925 appreciate it. I'll take that into consideration
Same. Dividend investing inside roth advantaged money is insane
You think you could do a stock breakdown of Lincoln Electric. $LECO
Prospect capital anyone…?
Better to invest in VGT and VOO and hold it for 20 to 30 years.😊
Thats my plan 1/3 VOO, 1/3 VGT, And 1/3 SPGP
Another great video! Thanks for sharing your journey with us and congrats on the record payout!! 😎🤘
Stock Nerd 🤓
Appreciate it!
I personally seen a friend of mine whose Portfolio is less than 12K and his divs for June was 500usd...
Bs
@@g.t.richardson6311 High risk but possible, Yield Max and Defiance have ETFs with 60%+ yields.
Are you gonna sell out of Johnson and Johnson soon ?
No. It's buying time with it hovering around the 52 week low.
@@industrialpalletworx3548 to many lawsuits and growth is slowing
I like the upside of pharmaceuticals, if their R&D procures a quality drug then their share price will soar. JNJ had a lot in their pipeline. Enjoy the journey 😎🤘
Great update!!! Motivating to continue to invest!
Could even think about increasing the monthly contribution with the inflation rate, should be a valid thought assuming that this comes from a job salary that may also rise at a similar rate
That’s a fair thought
Love this! This is the motivation I need!
Did you use Tableau to build that dashboard and how did you learn
It’s all in google sheets!
Why dont you invest in Main street capital?
Amazing job! Love the dividend growth!
Thanks so much!
Do you have any BDCs?
is being 100% in SCHD smart
Since it’s a well diversified ETF that aligns with my goals, yes
Where can download your Spreadsheets?
Tickerdata.com !
@@Dividendology Tickerdata i found, your Spreadsheets dont
King
If SCHD has about 4.24 dividend, would treasuries be safer?
Such as stock nerd. Love it :).
I am!
Hah! Favorite comment so far! 🤓 stock nerd - I feel like there is some SERIOUS branding potential there.
Congratulations on the new milestone
thanks!
is there blank version with no older data?
just delete the old data! It is there as an example
@@Dividendology do you have a video showing how to, I hated to delete any formulas,
This is my most recent tutorial video: th-cam.com/video/SSw1kKgreDQ/w-d-xo.html
I have a question. Live off dividends takes data from other part of the spreadsheet. What If I suddenly can invest more than initial amount I've put there one time? For example if I can suddenly invest additional 5000$ instead o 500$ one time, how should you properly edit it? My thought Is to add this 5000$ to the initial portfolio value + put the stocks I buy into stocks spread.
you definitely want your dividend payments to average closely on a monthly basis. getting paid $1000 one month and $250 the next is not good.
Nah, it’s Not a big deal if you know how to budget.
I know it’s not a dividend stock but what are your thoughts on fico
SCHD is paying their dividend on July 1st.. not in June. You moved the date to make June look better?
I explained in video. It’s a Q2 dividend payment. They are technically paying July 1st, because the last few days of June landed on the weekend. For tracking purposes it makes more sense to list in June.
Welcome to TH-cam
My schd posted in June
Can I know how many Microsoft share do you own?
Question, do you think nvidia has potential to be a dividend growth stock. They recently grew their dividend by 150% (which only was from 0.01 to 0.02)
My understanding is that was the result of the 10 to 1 stock split, not a true dividend growth situation. They’re still distributing the minimum amount of .01 per share, but the stock split increased the value of the 0.01 distribution by 150%.
Congrats buddy. Keep up the great work 👍
Is MMM stock still worth holding?
Does bro have a discord channel?
We're in a market bubble... What's going to happen when the market crashes?
I'm going to keep getting my dividends, keep reinvesting, and keep buying more.
I think you should add the $2500 to your monthly cost of living, since you're still contributing. Then see where you break even and where you can live of your dividends. I think it's around year 18 not 14
No, contributions aren’t a cost of living. I can live without making contributions.
MDT update?
so your annual contribution is only from dividends or you invest more money too?
I invest more as well.
nice man you did great job!l i will start my dividend growth portfolio next month. Hope i can catch some snap on a little lower!
Nice Video, I'm Excited To Keep Growing And Adding To My Shares And Dividends.